Aviva Save As You Earn (SAYE) to ISA

Support your employees with our SAYE to ISA transfer

  • Changes to tax could impact more of your employees with maturing SAYE or Sharesave schemes
  • Our SAYE to ISA transfer is a tax-efficient solution to safeguard gains from Capital Gains Tax (CGT)
  • Your employees can keep their existing shares or choose from a range of investment options to suit their personal risk appetite
Get in touch

Do you have employees with maturing SAYE funds?

With changes to tax rates and a decreasing Capital Gains Tax (CGT) allowance, more of your employees with maturing SAYE or ‘Sharesave’ schemes could become liable for CGT. That’s why we created our new digital SAYE to ISA transfer.

Here’s what your employees can do with a SAYE to ISA transfer:

  • Easily transfer maturing SAYE shares into a tax-free Stocks and Shares ISA wrapper with a trusted UK brand
  • Keep existing shares or choose from a range of investment options
  • Our ISA is flexible. This means employees can withdraw money tax-free from their investments and pay it back in the same tax year, without affecting their ISA allowance
  • Safeguard shares from any Capital Gains Tax by completing the transfer within 90 days of exercise.

 

Supporting employees who have maturing SAYE funds

Supporting employees’ financial wellbeing can be a key part of your strategy. Our digital SAYE to ISA transfer helps meet changing employee needs, adapt to tax changes, and strengthen your offering as an employer. It makes it easier for employees to keep more of their money, and takes away the stress about tax changes.

How does Aviva’s SAYE to ISA transfer work?

We’ve made the digital transfer process simple and accessible for your employees. As an employer, you just need to offer our SAYE to ISA service and inform your team - we’ll handle the rest.

Request access Step 1 of 4

Get in touch to make the SAYE to ISA solution available to your employees.

Open and transfer Step 2 of 4

Your employee requests a transfer through your unique link, where they'll open an Aviva ISA if they don't already have one.

Confirm Step 3 of 4

Your employee will then need to confirm the transfer on their scheme admin platform.

Done! Step 4 of 4

We’ll let your employee know when the shares are in their ISA.

Flexibility for your employees

Our SAYE to ISA service gives your employees the flexibility to shape their savings their way. Once it's set-up, they can choose:

Shares

Keep their existing employer shares and continue to invest in where they work, or move into other UK shares or trading strategies - taking advantage of tax-free income and growth.

Funds

Diversify into one of 5,000 funds, from our simple ready-made funds that match risk profiles, to our Experts' Shortlist or self-select options.

Flexibility

Take some or all of their money from the ISA with no fees or penalties and pay money back in the same tax year without affecting their annual ISA allowance.

Things to keep in mind

Once an employee purchases shares, their share value can go down as well as up and they could get back less than invested.

If they move them into a Stocks and Shares ISA, charges will be applied to them.

Tax rules can change and any benefits depend on personal circumstances.

Why transfer shares to an Aviva Stocks and Shares ISA?

With over 325 years of experience, we’re a trusted UK financial services brand supporting more than 25 million customers in the UK, Ireland and Canada. And our award-winning digital platform and broad range of investment and savings solutions are helping people take control of their financial future.

Here’s what your employees get by transferring to an ISA:

  • Tax efficiency: No CGT by transferring into a tax-free ISA wrapper
  • A simple digital journey: A guided, online process makes transferring easy and stress-free
  • Flexible investment options: Choose from over 5,000 funds, trusts, or shares—or stick with their company shares
  • ISA flexibility: The Aviva Stocks and Shares ISA is flexible. This means money can be withdrawn easily from investments and paid back in the same tax year, without affecting the ISA allowance.
  • Everything in one place: Manage their ISA alongside other Aviva products via the MyAviva app.

Ready to give your employees access to our SAYE to ISA transfer?

We need to take some details before your employees can access the SAYE to ISA solution.  Fill in a few details and we'll be in touch to get you set up.